Northern States Mortgage, LLC

Kimberly Ferraro

NMLS # 155949


Kimberly Ferraro
Background image for Northern States Mortgage, LLC 21193
Kimberly Ferraro

Kimberly Ferraro

Mortgage Calculators

Loan Programs



About Kimberly

I have over 19  years  experience helping homeowners with their lending needs as a Home Mortgage Consultant. My goal is to help each client I ork with customize the best loan program when purchasing or refinancing their home. As a homeowner myself, I understand the joy and stress that goes into purchasing a home. My goal is to fully educate borrowers on different loan programs and help them find the best fit so they feel 100% confident during this big step in their lives. I look forward to working with customers to help guide them through the mortgage process and make their experience with Northern States Mortgage as seamless and enjoyable as possible. I am committed to following up with customers so they are fully informed and comfortable every step of the way.

I’ve lived in Western PA since 1993. Prior to that; I have lived in Cape Cod Massachusetts and Michigan. I have two beautiful children Julianna 9 and Patrick 7.

Here are what some of Kim's clients are saying on Zillow:


-CarringtonMtg - Closed Aug 2021

KimberlyHelgeson7 from Butler, PA | worked with Kimberly A Ferraro

Kimberly and her whole team were awesome!

The whole process of my Re-fi was first class. The whole process was seamless and stress free. They handled everything and then some. I would definitely use them again and recommend to all my friends.

Best people to deal with. - Closed Sept 2021

repla93 from Bridgeport, CT

I have had a great/seamless experience when dealing with Northern States Mortgage, LLC. You get the best rates here, so no need to look anywhere else and the whole process is smooth And easy. Very friendly staff that works with you each step of the way. Would highly recommend!!!

Excellent service - Closed March 2021

rosita608 from Bristol, CT | worked with Kimberly A Ferraro

Kim Ferraro offered us an excellent service. Everything went very fast. Very good orientation, better than in many banks and mortgage companies. The information offered was clear and precise. Very professional. The rate was fixed and really good and comfortable for us.

Excellent Team - Closed April 2021

MHunley from East Hartford, CT | worked with Kimberly A Ferraro

Kim Ferraro excels in being persistent in getting things done and in communicating. All I needed to do was give her the information she needed and the next thing I knew we were moving through all the steps quickly for me to move into my first home. Janna and Colleen were excellent and a great part of the team. There's no way I could have done all of this work myself. I thank each of them and I highly recommend this team.

Amazing service! - Closed Jan 2021

JT McDonald from Pittsburgh, PA

Kim and Colleen were AWESOME! They worked quickly to get us a pre approval and worked with us every step of the way during the home buying and closing process. As first time home buyers we had a lot of questions and they did a great job answering them.

She was terrific so kind and helpful in everything love her will recommend her to all my friends - Closed June 2020

nisamia1 from Hartford, CT | worked with Kimberly A Ferraro

Kim was do good at her job she made me feel like family very professional kind and helpful in everything I have recommend friends to her that's how good she is Elizabeth.

Kimberly Ferraro - Closed Sept 2020

Zenet Karas from Wexford, PA | worked with Kimberly A Ferraro

If I could give 5,000 stars I would. The best mortgage broker you could ask for Kim was always on top of everything. I was so touched by how friendly Kim and her team were. I could rely on her to call me or email me back anytime I had a question. Excellent communication! Great teamwork! I heard horror stories about purchasing a home and Kim and her team made this process easy for me. Closed within 30 days.


Highly recommend

K Peters from Mercer, PA

Kim made the purchase of our new home seamless. She was very responsive and helpful with any questions we had. Kim always kept us in the loop with what the next process would be and what to expect.



zuser201703301056401 from Clairton, PA

I needed to refinance my home due to a divorce and was not sure I would be able to do so. My credit had taken a hit and Kim did everything she could to make the process easy for me. She kept me sane and focused when I thought I was losing my home and my sanity at times. She is an asset to not only her agency but for anyone that she works with. I am deeply grateful and appreciative of her support in a very difficult time in my life. THANK YOU SO MUCH KIM!!!


Without her, we would not have a home!

NewOwners15227 from Pittsburgh, PA

What started as a smooth process became anything but, and Kim worked like crazy to make things happen for us! She came up with multiple options to make a home purchase financially possible. She explained everything well, in a manner first time home-buyers could understand. Overall, the process was not easy, but made much less difficult thanks to Kim.


dream home

Contact Kimberly

Kimberly Ferraro

NMLS# 155949

322 South Main Street
Zelienople, PA 16063
State Licenses: CT, FL, PA

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

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